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Originally Posted by Trish  Well, don't get me wrong, they are both hurting you......but usually lates are harder on your scores and look worse to potential lenders. Not to mention they are a bit more difficult to get off.
IMO, CAs are easier to deal with and get deleted because they usually violate the laws :rolleyes: AND they really just want to get paid.......so you have a better chance of bargaining with them. |
dont even waste your time dealing with the credit bureaus, they disregard the law , FTC doesn't do anything about the complaints ...Go after the credit companies have the m validate your accounts... Equifax has my BK listed twice , i've sent them dozens of letters , they wont remove it.... may have to go back with lexington law in a few months, had goodluck them last year...